Civista Bank in Ohio vs the state
11.3%Denial rate-6.42 pts vs state
12.3%Decision denial rate-9.61 pts vs state
76.1%Origination rate+16.23 pts vs state
6.75%Median rate-0.13 pts vs state
0.24Rate spread (pts)-0.15 pts vs state
$114kMedian applicant income
1,250Loans originated
185Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,373 | 996 | 12.6% | 7.00% | #58 |
| 2024 | 1,448 | 1,045 | 13.5% | 6.99% | #58 |
| 2025 | 1,642 | 1,250 | 11.3% | 6.75% | #57 |
What Civista Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Civista Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 355 | 279 | 35 | 9.9% |
| Huron County | 106 | 73 | 21 | 19.8% |
| Franklin County | 106 | 84 | 10 | 9.4% |
| Cuyahoga County | 103 | 81 | 9 | 8.7% |
| Hamilton County | 98 | 79 | 7 | 7.1% |
| Lucas County | 86 | 74 | 1 | 1.2% |
| Henry County | 84 | 57 | 17 | 20.2% |
| Wood County | 69 | 52 | 6 | 8.7% |
| Lorain County | 62 | 49 | 6 | 9.7% |
| Delaware County | 51 | 41 | 5 | 9.8% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 1,642 applications in 2025, of which 1,250 were originated and 185 denied.
11.3% of all applications, or 12.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Civista Bank originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Civista Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology